LendingClub Statistics
Total Valuation
LendingClub has a market cap or net worth of $1.81 billion. The enterprise value is $1.08 billion.
Important Dates
The last earnings date was Tuesday, July 29, 2025, after market close.
| Earnings Date | Jul 29, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
LendingClub has 114.74 million shares outstanding. The number of shares has increased by 4.76% in one year.
| Current Share Class | 114.74M |
| Shares Outstanding | 114.74M |
| Shares Change (YoY) | +4.76% |
| Shares Change (QoQ) | -0.42% |
| Owned by Insiders (%) | 2.99% |
| Owned by Institutions (%) | 74.38% |
| Float | 105.42M |
Valuation Ratios
The trailing PE ratio is 24.59 and the forward PE ratio is 12.82.
| PE Ratio | 24.59 |
| Forward PE | 12.82 |
| PS Ratio | 1.43 |
| Forward PS | 1.69 |
| PB Ratio | 1.29 |
| P/TBV Ratio | 1.43 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.58 |
| EV / Sales | 0.86 |
| EV / EBITDA | 6.69 |
| EV / EBIT | 10.91 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 5.98, with a Debt / Equity ratio of 0.02.
| Current Ratio | 5.98 |
| Quick Ratio | 4.95 |
| Debt / Equity | 0.02 |
| Debt / EBITDA | 0.13 |
| Debt / FCF | n/a |
| Interest Coverage | 706.68 |
Financial Efficiency
Return on equity (ROE) is 5.50% and return on invested capital (ROIC) is 4.49%.
| Return on Equity (ROE) | 5.50% |
| Return on Assets (ROA) | 0.61% |
| Return on Invested Capital (ROIC) | 4.49% |
| Return on Capital Employed (ROCE) | 1.01% |
| Revenue Per Employee | $1.25M |
| Profits Per Employee | $73,878 |
| Employee Count | 1,002 |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, LendingClub has paid $24.77 million in taxes.
| Income Tax | 24.77M |
| Effective Tax Rate | 25.07% |
Stock Price Statistics
The stock price has increased by +54.15% in the last 52 weeks. The beta is 2.46, so LendingClub's price volatility has been higher than the market average.
| Beta (5Y) | 2.46 |
| 52-Week Price Change | +54.15% |
| 50-Day Moving Average | 12.73 |
| 200-Day Moving Average | 13.05 |
| Relative Strength Index (RSI) | 68.22 |
| Average Volume (20 Days) | 2,538,175 |
Short Selling Information
The latest short interest is 5.67 million, so 4.94% of the outstanding shares have been sold short.
| Short Interest | 5.67M |
| Short Previous Month | 4.66M |
| Short % of Shares Out | 4.94% |
| Short % of Float | 5.38% |
| Short Ratio (days to cover) | 2.64 |
Income Statement
In the last 12 months, LendingClub had revenue of $1.25 billion and earned $74.03 million in profits. Earnings per share was $0.64.
| Revenue | 1.25B |
| Gross Profit | 328.94M |
| Operating Income | 98.94M |
| Pretax Income | n/a |
| Net Income | 74.03M |
| EBITDA | 161.39M |
| EBIT | 98.94M |
| Earnings Per Share (EPS) | $0.64 |
Full Income StatementBalance Sheet
The company has $752.56 million in cash and $22.39 million in debt, giving a net cash position of $730.17 million or $6.36 per share.
| Cash & Cash Equivalents | 752.56M |
| Total Debt | 22.39M |
| Net Cash | 730.17M |
| Net Cash Per Share | $6.36 |
| Equity (Book Value) | 1.41B |
| Book Value Per Share | 12.25 |
| Working Capital | 4.96B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$1.91 billion and capital expenditures -$133.42 million, giving a free cash flow of -$2.04 billion.
| Operating Cash Flow | -1.91B |
| Capital Expenditures | -133.42M |
| Free Cash Flow | -2.04B |
| FCF Per Share | -$17.79 |
Full Cash Flow StatementMargins
Gross margin is 26.35%, with operating and profit margins of 7.92% and 5.93%.
| Gross Margin | 26.35% |
| Operating Margin | 7.92% |
| Pretax Margin | 7.91% |
| Profit Margin | 5.93% |
| EBITDA Margin | 12.93% |
| EBIT Margin | 7.92% |
| FCF Margin | n/a |
Dividends & Yields
LendingClub does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | -4.76% |
| Shareholder Yield | -4.76% |
| Earnings Yield | 4.09% |
| FCF Yield | -112.79% |
Analyst Forecast
The average price target for LendingClub is $16.83, which is 6.72% higher than the current price. The consensus rating is "Buy".
| Price Target | $16.83 |
| Price Target Difference | 6.72% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on July 8, 2019. It was a reverse split with a ratio of 1:5.
| Last Split Date | Jul 8, 2019 |
| Split Type | Reverse |
| Split Ratio | 1:5 |
Scores
LendingClub has an Altman Z-Score of 0.75 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.75 |
| Piotroski F-Score | 5 |